Overview

When you request a quote, Spot automatically evaluates your request and returns the coverage offer that best fits what the customer is purchasing. An offer is the full package of coverage details we return - pricing, benefit structure, eligibility rules, and the checkout-ready copy your customer sees.

Routing quotes to the appropriate offer ensures:

• The right product for the scenario - e.g. Refund Guarantee vs traditional insurance, or one Refund Guarantee product structure vs another
• A better customer experience and higher conversion
• Long-term product performance and partner stability - matching the right product to the right use case protects the economics for everyone

To make this concrete, here are some common examples of how routing works in practice:

• A Season Pass product may map to a different Refund Guarantee offer than a single-day Event Registration
• Two items within the same event - such as General Admission vs VIP, or a full vs half marathon - can map to different offers with different pricing and benefit structures

Routing Factors

Spot uses a handful of fields you send in the quote request to understand what the customer is actually buying and to determine which Spot product best fits that scenario.

Product Identifiers

These fields are our primary routing signals, and tell us what type of purchase the customer is making and how it should be categorized for coverage:

• productType - One of "Pass", "Trip", "Registration".
• productDuration - One of "Daily", "Seasonal", "Trip", "Event".
• productId - Free-form string, but must map to values we configure together. If your system has a "product type" or "product category" field (for ex: this field may distinguish between a registration vs merchandise vs a donation), this typically provides the level of specificity we need to properly route quotes.

For simple set-ups, where all quote requests map to the same Spot product, you can simply hard-code these values in your quote requests. For more complex programs, using a dynamic value allows us to tailor pricing and benefits based on the nature of the purchase.

Spot will work with you up front to define these values and make sure they're set up to power the program design you're after.

Risk & Pricing Details

Beyond category signals, routing also considers factors like the price point of the product, the length of the risk window, the currency, and whether the customer is making a full payment or an installment. These inputs help ensure we return an offer that is both appropriate for the customer and aligned with the economics of the underlying product.

No Matching Quote

In some cases, no matching offer will be returned. This typically happens when the purchase falls outside the eligibility rules for all available products - for example, if the cancellation window has already passed (e.g., buying Refund Guarantee too close to the event), or if the price, dates, or category don’t align with any configured offer.

In these cases, the quote response will simply exclude coverage options to ensure customers are only shown products that truly apply to their purchase.